:root{--brand:#1f5f8b;--ink:#1d2329;--muted:#5b6670;--bg:#fff;--soft:#f3f6f8;--line:#dde3e8}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:64px}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.logo{font-weight:800;color:var(--ink);text-decoration:none;font-size:1.02rem;line-height:1.2}
.call{display:none;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:9px 14px;border-radius:8px;white-space:nowrap}
.nav{display:flex;gap:16px;overflow-x:auto;padding-bottom:10px;font-size:.93rem;white-space:nowrap}
.nav a{text-decoration:none;color:var(--muted)}.nav a:hover{color:var(--brand)}
.hero{background:linear-gradient(160deg,var(--brand),#0f2a3a);color:#fff;padding:42px 0 38px}
.hero h1{font-size:1.85rem;line-height:1.2;margin:0 0 12px}.hero .lead{font-size:1.08rem;opacity:.95;max-width:720px}
.hero .small{opacity:.85}.hero .lead{color:#fff}
.btn{display:inline-block;background:#f2b134;color:#1d2329;font-weight:800;text-decoration:none;padding:12px 18px;border-radius:9px;margin:6px 8px 6px 0}
.btn.alt{background:#fff;color:var(--brand)}
.content{padding-top:26px;padding-bottom:30px}
.content h1{font-size:1.7rem;line-height:1.25;margin:.2em 0 .5em}
.content h2{font-size:1.3rem;margin:1.6em 0 .4em;line-height:1.3}
.content h3{font-size:1.08rem;margin:1.3em 0 .3em}
.lead{font-size:1.08rem;color:var(--muted)}
.grid{display:grid;gap:14px;grid-template-columns:1fr;margin:18px 0}
.card{border:1px solid var(--line);border-radius:12px;padding:16px;background:var(--soft)}
.card h3{margin-top:0}
.note{border-left:4px solid var(--brand);background:var(--soft);padding:12px 16px;border-radius:0 8px 8px 0}
table{border-collapse:collapse;width:100%;margin:12px 0;font-size:.95rem}th,td{border:1px solid var(--line);padding:8px;text-align:left;vertical-align:top}th{background:var(--soft)}
details{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:10px 0}summary{font-weight:700;cursor:pointer}
.cta{margin-top:34px;background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:20px}
.cta h2{margin-top:0}
.small{font-size:.86rem;color:var(--muted)}.hero .small{color:#fff}
form{display:grid;gap:12px;max-width:560px}label{font-weight:600;font-size:.95rem}
input,select,textarea{width:100%;font:inherit;padding:10px;border:1px solid #b9c3cb;border-radius:8px}
button{font:inherit;font-weight:800;background:var(--brand);color:#fff;border:0;border-radius:9px;padding:13px;cursor:pointer}
.hp{position:absolute;left:-5000px}
.foot{background:#0f1b24;color:#c9d3da;padding:28px 0 18px;margin-top:20px}.foot a{color:#e7eef3}
.foot h3{color:#fff;font-size:1rem}.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:4px 0}
.cols{display:grid;gap:10px;grid-template-columns:1fr}.foot .small{color:#9fb0bc;margin-top:16px}
.sticky{position:fixed;left:0;right:0;bottom:0;background:#f2b134;color:#1d2329;text-align:center;font-weight:800;padding:16px;text-decoration:none;z-index:6;box-shadow:0 -2px 10px rgba(0,0,0,.15)}
@media(min-width:760px){.call{display:inline-block}.sticky{display:none}body{padding-bottom:0}
.hero{padding:70px 0 60px}.hero h1{font-size:2.5rem}.grid{grid-template-columns:repeat(2,1fr)}.cols{grid-template-columns:repeat(3,1fr)}}
@media(min-width:1000px){.grid.three{grid-template-columns:repeat(3,1fr)}}